Aye FinanceNSE:AYE +1.47%14 Net Margin % is 14.54% as of Mar. 2026, which is 23% above its 10-year median of 11.80. GuruFocus rates NSE:AYE with a GF Score™ of 14/100. The stock has 8 warning signs investors should review. Among 534 Credit Services companies, Aye Finance ranks worse than 56.74% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Aye Finance's Net Income for the
six
months ended in Mar. 2026 was ₹1,290 Mil. Aye Finance's Revenue for the
six
months ended in Mar. 2026 was ₹8,876 Mil. Therefore, Aye Finance's net margin for the quarter that ended in Mar. 2026 was 14.54%.
The historical rank and industry rank for Aye Finance's Net Margin % or its related term are showing as below:
NSE:AYE'
s Net Margin % Range Over the Past 10 Years
Min: -12.5 Med: 11.8 Max: 17.52
Current: 11.8
NSE:AYE's Net Margin % is ranked worse than 56.74% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs NSE:AYE: 11.80
Aye Finance (NSE:AYE) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Aye Finance Net Margin % Related Terms
Aye Finance Net Margin % Historical Data
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The historical data trend for Aye Finance's Net Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, Aye Finance's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Aye Finance Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Aye Finance's Net Margin % distribution charts can be found below:
* The bar in red indicates where Aye Finance's Net Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Aye Finance (NSE:AYE) has a Net Margin % of 14.54% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Aye Finance and its competitors. This is 23% above median its historical median of 11.80. According to the industry distribution chart, Aye Finance ranks #303 out of 534 companies in the Credit Services industry, placing it in the top 56.7%.
Is Aye Finance's Net Margin % too high?
Aye Finance's current Net Margin % of 14.54% is 23% above median its 10-year median of 11.80. The Credit Services industry median Net Margin % is 14.52. Aye Finance's value of 14.54% is 0.1% above this industry median. Based on the distribution chart, Aye Finance ranks #303 out of 534 companies in the Credit Services industry, which is below the industry midpoint. Overall, Aye Finance has a GF Score™ of 14/100, reflecting its overall financial health beyond just this single metric.
How does Aye Finance's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Aye Finance ranks #303 out of 534 companies for Net Margin %. This places Aye Finance in the lower half of its industry. The industry median Net Margin % is 14.52. Aye Finance's value of 14.54% is 0.1% above this benchmark. While the company's 10-year median is 11.80 vs. the industry median of 14.52, Aye Finance has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.52, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Aye Finance's current Net Margin % of 14.54% is 0.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Aye Finance and its competitors. For the Credit Services industry, the median Net Margin % is 14.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aye Finance's current Net Margin % is 14.54%, which is 23% above median its own 10-year median of 11.80. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Aye Finance stock overvalued right now?
Aye Finance (NSE:AYE) has a current Net Margin % of 14.54%. The current Net Margin % is 14.54%, which is 23% above median its 10-year median of 11.80 and 0.1% above the Credit Services industry median of 14.52. Aye Finance's overall GF Score™ is 14/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Aye Finance (NSE:AYE), the current Net Margin % is 14.54% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Aye Finance Ltd is a non-banking financial company - middle layer (NBFC-ML) focused on providing loans to micro, small and medium enterprises (MSMEs) across India. It offers a range of business loans for working capital and business expansion needs, against hypothecation of working assets or against security of property to customers across manufacturing, trading, service and allied agriculture sectors. The company operates in a single reportable segment i.e. granting loans, which has similar risks and returns. The company's offerings include Mortgage Loans, Property Loans, Secured Hypothecation Loans, and Unsecured Hypothecation Loans. Geographically, it operates across India.
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